The primary reason people become our clients is that we save them more money than they could on their own. Additionally, clients appreciate that we eliminate the hassle of dealing with servicers and the Department of Education yearly, staying current on frequent changes, and adjusting their strategies accordingly.
We ensure you have the proper loan types, consolidations, repayment plans, tax filing status, and income documentation. Structuring the plan is only the beginning; higher education debt and your financial situation are constantly changing. As student loan laws or your life circumstances evolve, the strategy for maximizing savings may change significantly.
Many clients, even those happily paying $0 per month, discover that we can still save them up to 50% over the life of the loan with proper adjustments.
Most clients rely on misinformation, whether from loan servicers (who aim to collect a debt) or biased online content (often encouraging federal borrowers to convert their debt into private student loans, which lowers the interest rate but removes subsidies, federal benefits, and any potential for loan forgiveness). This is not in the client’s best interest.
We earn our revenue straightforwardly: you pay us for services well rendered. We earn every dollar by helping our clients save thousands.
Most online information comes from the Department of Education, federal student loan servicers, or private student loan brokers. You’ve seen how opaque the Department of Education can be. If you call servicers, you’ll get a different answer every time.
Private student loan brokers pose as charitable knights in shining armor, claiming to educate you about student loans and save your financial life. If you click their link and refinance your loans, they earn a large commission, and you lose all loan forgiveness.
They even make money by placing ads throughout their sites. We don’t. We work with our clients for the life of the loan, establishing strong and lasting relationships, and rely primarily on referrals from satisfied clients.
We charge a fee for service. Again, it only makes sense to hire ReSuretify to manage your student loans if it saves you a considerable amount of money, both immediately and over the life of the loan.
Yes, and if you are in default, our services become even more valuable. We can immediately halt all collection calls and assist you in either consolidating out of default or rehabilitating your loans with the lowest possible payments to the collection agency.
We will then develop a long-term strategy to reduce your monthly payments and interest accrual throughout the life of the loan, aiming for the maximum loan forgiveness possible.
Typically, the clients who benefit the most financially and are easiest to work with fall into this category. They often overpay on their loans because they haven’t felt a significant impact from their large payments, which leads them to neglect researching ways to reduce these payments and improve cash flow.
They usually don’t focus on lowering interest accrual, might believe that forgiveness options don’t apply to them, and are generally less informed. Unfortunately, they treat student loan repayment like other debts, concentrating solely on paying them off.
By combining available subsidies with an increase in cash flow, reduced interest accrual, and reallocating funds to address higher-interest debts, borrowers can see a significant improvement in their financial situation.
This concern is more common than you might think, which is why it’s featured on this page. Many professionals are unsure about what questions to ask and delay taking the first step: making a call.
It’s easy to feel stuck when we don’t know what we don’t know. We specialize in working with doctors and other professionals with $50,000+ in student loans and have encountered nearly every scenario imaginable.
Our goal is to educate you about the strategy we create and handle all the details for its immediate implementation. Our clients leave with a new understanding of their student loans, along with a sense of certainty and optimism.
We access all necessary information with minimal input from you. So, don’t put this off any longer—pick up the phone and get started. You’ll be glad you did.
This is a common misconception and can be quite costly. IBR (Income-Based Repayment) is just one of six different income-driven repayment options.
IBR has become synonymous with IDR (Income-Driven Repayment), but they are not exactly the same. Much like how addressing a patient’s symptoms might not reveal the need for additional relief, many clients believe their IBR plan, even with a low payment (sometimes as low as $0), is optimal.
Why might someone in a $0 IBR plan seek our help? There are several reasons. IBR may miss out on interest accrual subsidies and doesn’t qualify for certain repayment and forgiveness programs available to other loan types.
Clients often think their plan is well-managed but find out they’re actually missing out. We can either help you or we can’t. If we can, becoming a client makes sense. This isn’t just about value—it’s about cash flow and the total cost of your education.
For example, if paying $85 per month results in a total cost of $50,000 for your education, versus $450 per month leading to a total cost of $320,000, and our services cost less than $1,000, it’s clear that adjusting your plan makes financial sense.
Yes, we absolutely can assist borrowers who qualify for PSLF! We will help you calculate accurate years towards forgiveness and we will handle the application and acceptance process for you on your behalf. If you’d like to do PSLF through your own non-profit organization, we can help with that as well.